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Are you thinking about refinancing your auto loan? Perhaps you purchased a car a few years ago when interest rates were higher. Or maybe you recently financed your car through a dealership, but now you've found a much better interest rate through your bank or credit union. It's possible that your credit has improved since you took out your auto loan, and you believe you could qualify for a better interest rate. Whatever your reason, refinancing your auto loan at today's low interest rates could save you a significant amount of money, and it's generally easy to do.

Repaying your student loans is serious business! To help you meet this obligation, most lenders offer a short grace period before your first payment is due, as well as flexible repayment plans. Besides the standard 10-year repayment plan, you might be able to choose a graduated repayment plan, an extended plan, or an income-based plan. In most cases, you can consolidate several loans into one loan, often with a lower interest rate. And if you're experiencing financial difficulties, ask your lender about a deferment or forbearance--don't just stop paying on your own.